For globally minded investors, the path to a European life often starts with a single financial decision. That decision just became clearer (and safer) with the launch of the 3CC Atlantic Bond Fund, a conservative, income-generating strategy from 3 Comma Capital, one of Portugal’s most innovative and trusted asset managers.
The fund’s Share Class ED was launched on August 10th, 2025, quickly reaching €10 million in assets under management and delivering a 0.93% return since inception, reflecting its steady income profile, disciplined capital-preservation approach, and a risk-return profile fully aligned with the preferences of the majority of Golden Visa investors.
A conservative fund for a global investor class
The Atlantic Bond Fund (ABF) is designed for investors who want their capital to work intelligently, not aggressively. A pure bond Fund with a diversification of more than 2.000 different issuers and exposure to all segments of risk credit.
Structured as an open-ended, daily-liquidity fund, the ABF targets 5% annual returns while distributing a 3-4% dividend yield.
The portfolio combines 60% Portuguese investment-grade corporate bonds, providing stability and attractive yield premiums, with 40% diversified European and Global credit, including Emerging Markets, Capital Contingent Bonds (AT1), European High Yield and a selective allocation to gold as a hedge against inflation and interest rates.
At its core, it is a capital-preservation strategy designed to deliver steady income, ideal for conservative investors seeking long-term financial stability and optional Golden Visa eligibility. With a risk level of 2 out of 7, the fund reflects a conservative profile, where the probability of capital loss is minimal, even over short holding periods.
The Atlantic Bond Fund portfolio and investment limits:
A Fund with predominant allocation to Investment Grade and Senior bonds with a maximum exposure of 20% to non-senior and High Yield bonds.
The average Yield To Maturity (YTM) of the Fund is 3,98% with 3.5 years of effective duration. The Fund has exposure to more than 2.000 different issuers.
| Allocation ABF | Weight / 100% | YTM* |
| Portuguese Corporate Bonds (Investment Grade) | 60.00% | 3.5% |
| European Corporate Credit | 12.00% | 2.77% |
| Global Credit (incl. Govies) | 26.00% | 5.97% |
| Gold | 2.00% | |
| Average | 3.98% | |
*as of 15/09/2025
Portugal’s Corporate Bond advantage
While the rest of Europe may be defined by compressed yields, Portuguese corporate Bonds continue to offer an appealing balance of risk and reward. Many of these issuers, such as Caixa Geral de Depósitos, Fidelidade, EDP, and REN, are among the country’s most solid institutions, often state-linked or with robust credit ratings.
By focusing on this investment-grade universe, the ABF captures above-average yields with below-average volatility, all within a CMVM-regulated framework equivalent to U.S. SEC oversight.
Built by investors, for investors
Founded in 2022 by Nuno Serafim and Patrick Hable, 3 Comma Capital began as a family office managing the founders’ own wealth, a fact that still anchors its philosophy.
The partners have a substantial portion of their net worth invested in the firm’s funds, ensuring full alignment with investors. Today, the company manages and advises on over €150 million EUR, with nearly 300 Golden Visa investors under its guidance.
Its first fund, the Portugal Golden Income Fund (PGIF), launched on October 2nd 2024, quickly became one of the fastest-growing Golden Visa-eligible strategies in the market, surpassing €70 million in assets by its first anniversary.
A smarter Golden Visa strategy
Both funds (PGIF and ABF) meet all criteria for Portugal’s Golden Visa, allowing investors to diversify and qualify for European residency while maintaining full liquidity and control of their capital. Unlike traditional private equity structures, 3 Comma Capital’s open-ended funds have no lock-ups, offer daily NAVs, and eliminate the need to open a Portuguese bank account at the outset. Investors can transfer directly from abroad, saving time while remaining fully compliant.
- Open-ended structure: No Lock up period, redeem at any time (Flexibility)
- Daily Liquidity / Daily NAV: Total price transparency (Daily value of your investment)
- Dividend Distribution | Global Custody Services | Direct SDIRA investment (US investors)
The bigger picture: Freedom, security, and income
For UK, Turkish and American and global investors, the ABF structure offers more than just performance, it offers financial and geographic optionality. A strong, tax-neutral investment, combined with the Portuguese Golden Visa, provides a unique blend of:
· Consistent euro-denominated income,
· Risk-adjusted capital growth, and
· The freedom for you and your family to live, work, and study anywhere in Europe.
In a world where mobility and capital preservation matter more than ever, the new Atlantic Bond Fund stands as a reliable bridge, connecting wealth stability with a life of global opportunity.
Ready to learn more?
Let us show you how to turn your savings into a globally diversified, residency-enabled portfolio.
Request the investor deck, performance data, and onboarding guide at:
www.3commacapital.com or email hello@3commafunds.com and schedule a private call with our team
